top of page

Yes RESERV Credit Card

Product Details
Credit Card Name : 

Yes RESERV Credit Card

Bank Name :

Yes Bank

Type :

Rewards Credit Card

Interest Rate : 

2.99% per month (35.88% annually)

Eligibility :

Between 21-60 years of age
Salaried or self employed
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above

Yes RESERV Credit Card
Pros
  • Reward System: You get 24 YES Reward Points for every INR 200 for Online Shopping, 12 YES Reward Points for every INR 200 for Offline Shopping, and 6 YES Reward Points for every INR 200 on Selected categories. 1 RP = 0.25 Paisa. Online CB Rate: 3%, Offline Cashback Rate: 1.5%, and Cashback Rate on other spends: 0.75%. 

  • Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.

  • Dining Benefits: Get a minimum 15% discount at select restaurants. 

  • Other Benefits: Complimentary Golf Program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac. 

Cons
  • High Annual Fees

  • There are no rewards on groceries and convenience stores spendings. 

Pros & Cons
Welcome Benefits

None

Rewards System
  • You get 24 YES Reward Points for every INR 200 for Online Shopping, 12 YES Reward Points for every INR 200 for Offline Shopping, and 6 YES Reward Points for every INR 200 on Selected categories. 

  • 1 RP = 0.25 Paisa. 

  • Online CB Rate: 3%, Offline Cashback Rate: 1.5%, and Cashback Rate on other spends: 0.75%. 

International Forex Markup

1.75% (plus applicable taxes). 

Welcome Benefits and Reward System
Special Features

Dining Benefits: Get a minimum 15% discount at select restaurants. 

Eligibility Criteria

Between 21-60 years of age
Salaried or self employed
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above

Benefits
  • Dining Benefits

  • Insurance coverages 

  • Travel Benefits 

  • Golf Privileges 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Contact Details

1800 1200

Account Opening and Procedure
Yes RESERV Credit Card

The Yes Bank Reserv Credit Card is a good option for frequent online shoppers who also travel occasionally. The high rewards rate for online purchases and the inclusion of airport lounge access make it attractive. However, if you spend a significant amount offline on groceries, utilities, etc., the lower rewards rate might be a drawback.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • First Year Membership Fee of INR 1,999+ applicable taxes, waived off on total retail spends of INR 40,000/- done within 30 days of card set up date. 

  • Interest Rate: 2.99% per month (35.88% annually)

  • Cash Advance Charges: 2.5% (subject to a minimum of Rs. 300)

  • Late Payment Charges: Ranges from INR 0 to INR 1000. 

  • Foreign Currency Mark-up Fees: 1.75% (plus applicable taxes). 

Fuel Surcharge

1% fuel surcharge is waived on all fuel purchases at all fuel stations across India for transactions between Rs. 400 and Rs. 5000 (waiver capped at Rs. 1000 per month).

Billing Cycle

30 Days

Fees & Charges
bottom of page